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Counselling Referencer –
Section 10 - Old Age
Author
Sudhir Vaidya

1
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1
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४ आ आ .
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2
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Rs ७५/- ८८
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PC utility programme . आ
download आ utility ज आ .
Utility Virus आ . .
आ . , ,

3
ज . ज आ .
आ ज आ आ
delete ज . आ आ .
-----------------------------
आ आ . ज
आ . . आ
ज . ज आ ,
ज. आ . .
. .
"Argument is bad but Discussion is good,
Because Argument is to find out WHO is right.. &
Discussion is to find out WHAT is right.."
---------------------------------------------
- ज .
ज ज ज .....
------------------------------------------
- ज . - ज
, space ज . .
--------------------------------------
There are three stages of Marriage namely
MAD for each other /
MADE for each other /
MAD because of each other.
-----------------------------------
… ज ज .…………
--------------------------------
ज ज
. ज ज आ , ज .
आ ज आ आ
आ आ .

4
, आ ज .
आ आ . ज
आ ज . ज आ ज ,
आ ? ज. .
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. . आ .
आ .
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आ ज , ज .
ज आ आ , आ आ
ज . आ provided you form the habit of loving what you get in
life as you may not get what you want in life.
२ . , ,
ज .
. ज आ ज . ज आ
, ज आ आ .
आ आ ज .
. ज .
. .
.
आ ज आ आ
.

5
. .
. आ आ . : :
. ज , tension
ज .
आ ज ( ) आ : .
' ' ' . :
आ .
आयुष्य म्हणजे ऊन आणण सावलयाांचा खेळ आहे.
ज आ .
- आ -
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ज ज आ ज .
: आ .
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ज ज आ , ज आ ,
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unpredictable ज , .
आ आ ज . ,
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आ ' ' (Reaction ) . ज आ Response ज, ज
आ tensions . आ .
ज आ . आ
आ ज .

6
, आ . आ ज ' ' (
- आ ) . '
' आ . आ , ज Your Right is at the cost of My Right '
.
ज आ , ज आ .
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आ आ . ज
ज ज ज . आ आ
आ .
आ .
आ आ ज . .
ज आ , आ .
!!!
आ ज , आ आ .
Generally there are fights between two rights rather than right & wrong. The only precaution
one has to take is that your Right should not be at the cost of my RIGHT. With this basic
understanding, the dispute can always be resolved.
It is also necessary to understand as to why conflict takes place between the persons.
: आ : . .
....!! ज ज ज .
ज .
ज आ ..... ज , ......!!
आ ज ज .
, : आ ज ज
आ .

7
आ , .
आ आ ज .
आ , , , - ज ,
: , , .
आ ज (आ आ ज- ) .
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ज . ज .
enjoy . ज ज
२ . !!!!!!! . !!!!!!
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ज, ज आ tensions .
आ आ आ ज . आ

8
. आ आ आ
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( , : , ) ज ४ ,
आ आ आ ज , ज ज
. ज आ " This too will pass." ( ज )
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आ , : , .

9
, ज , ,
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Common sense is most uncommon.
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10
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आ आ आ .
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/ ०१-१०-२०१४

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/ ०७-१२-२०१५

Behaviour Therapy for Senior Citizens.
A Why such Behaviour Therapy was developed?
1 ‘Relationship’ is born simultaneously with our birth. Relationship is a complex
phenomenon. Our entry in this world creates various relationships whether we like
them or not at a latter stage in our life.
2 If we wish to have cordial relationship with others, it is necessary to cultivate the
relationship on same footing.(i.e. equality complex) e.g. We must forget our
education, designation, status while dealing with spouse, children, parents, friends,
In-laws etc.
3 One should remember that we are all Guests in this world. We don’t know our last
moment in this world. Then why not try and develop cordial relationship with others.
4 As stated earlier that Relationship is a complex phenomena and any number of laid
down principles may still fail because after all each person is unique. Moreover
building cordial relationship you need similar thinking from opposite camp as well.
You need two hands for ‘Clapping’ but need only one hand for ‘Chutki.’
5 If your relationship gets clicked spontaneously, then nothing likes it. But there is no
guarantee that it would so happen. Hence you must try to establishment relationship
by adhering to various Tips listed below. Why not make an attempt to develop
relationship professionally instead of relying on your mood /ringing of bells in your
mind?
6 We don’t like every person around us but still for the sake formality we tolerate him
up to the point. You will agree that in office we wish our boss, colleagues etc. though
we may not like them. We do it under the tag ‘Job compromise’. If that is the case, why
not apply the same formality in dealing with kids.
7 These Tips have been prepared based on my experience as counsellor and
observations of people from childhood. It was my good fortune that I came across
many people who taught ‘How not to behave.’ I express my sincere thanks to them.
8 I am aware that few Tips have been deliberately repeated to drive the importance.
9 This Article has been dedicated to the fond memory of my Late Aai Smt. Shantabai
M. Vaidya (Born on 19-09-1919 & expired on 26-10-2004.)

2
B Relationship Pattern:
1 We can develop better relationship with others if we understand their entry in our
life. A person may come into your life for a ‘reason, for a season or for a life.’ If this
focus is clear, we can decide our relationship pattern.
2 A person may enter your life for a ‘reason’ when you need him for your help. You
may call the person by any name or he may be a stranger or from your family. When
the necessary help is rendered, the relationship may get broken in spite of your good
behaviour. You should be ready for such eventuality. No point doing post mortem of
your behaviour and his behaviour.
3 Some people come into your life for a ‘season.’ You will learn from these persons
many things. These persons will share their experience, knowledge with you and try
to enrich your life. You will have unbelievable joy and happiness in their company.
But please remember that this association is only for a ‘season.’
4 Some people enter your life for ‘lifetime.’ You need to take special efforts for
building up such relationship. You may need to show more consistency, tolerance etc.
in nursing such relationship. Good relationships are like Trees. They demand
attention & care in the beginning but once they blossom, they provide you shade in
all situations of life.
5 So whenever you march towards establishing relationship, first decide whether this
person has entered your life ‘for a Reason, for a Season or for a Life.’
C Your Old Age experience would broadly depend upon following factors:
1 Whether you are financially independent?
2 Whether your spouse is alive?
3 Your relationship with spouse?
4 Whether you are self disciplined?
5 Existing relationship with son, daughter? (Please remember that your son is a son till
he gets married.)
6 Financial condition of your kids.
7 Whether you are staying in your own house or rented house?
8 Whether flat is fairly big enough? Or whether you have a separate room?
9 Whether your son and his family are staying with you? Or you are staying with your
son?
10 Whether you intend to spend your balance life in Old age homes?

3
D In the light of above discussion, let us try and formulate the Tips for establishing &
improving relationship. Please excuse me for once again repeating the basic facts
before proceeding further.
1 Relationship is born simultaneously with our birth.
2 Our entry in this world creates various relationship whether we like them or
not at a latter stage in our life.
3 If we wish to have cordial relationship with others, it is necessary to cultivate the
Relationship on same footing. e.g. We must forget our education, designation, status,
while dealing with spouse, children, parents, friends etc.
4 Relationship is a complex phenomenon.
5 One should remember that we are all Guests in this world. We don’t know our last
moment/breath in this world then why not try and develop cordial relationship with
others.
E Recommended Reading from www.spandane.com  Spandane Articles.
 In fact all Spandane Articles will enrich your LIFE but you should at least read the
following Spandane Articles from www.spandane.com.
1 Article 53 – Communication Skills
2 Article 55 – Time Management
3 Article 61 – Anger Management
4 Article 70 – Conflict Management
5 Article 71 – ABJ / TTP Technique
6 Article 79 – Spandane The Art of Living
7 Article 83 – Change yourself, not the world
8 Article 84 – Anomalies of Human behaviour
9 Article 99 – Tips for establishing & improving relationships.
F Common Tips:
1 Let there be spaces in your relationship.
2 Give respect to get respect. Due respect has to be given without any expectations.
3 All fingers are not alike.
4 Each person inherits good and bad qualities.
5 Your behaviour with any one should be the replica of your expectation of their
behaviour with you.

4
6 Respect individuality.
7 Always remember that our opinions change from time to time.
8 We all need each other.
9 No body is perfect.
10 When you are angry, criticize the behaviour, not the person.
11 Human being is a social ‘ANIMAL.’
G We must first understand the main reasons for conflict:
1 Unmet needs and wants. (Unmet wants could be physical, mental etc.)
2 Values: Our values drive our behaviour. Our values may differ about time, work,
health, relationship, spending habits etc.
3 Perceptions: There are always three sides to any matter/ problem.
4 Knowledge: The information or knowledge given or not given may cause conflict.
5 Assumptions: We make assumptions on what we know. Conflict may take place when
assumptions are not checked for accuracy or are not updated periodically.
6 Expectations: Conflict may occur when we do not know each other’s expectations.
Expectations should be made known in clear terms to each other. Sooner the better.
7 Growing up differently: Each generation views life and work differently.
8 Willingness and ability to deal with conflicts.
9 Three personalities are hidden in every individual, namely Parent, Adult and Child.
These personalities keep changing from time to time and from situation to situation.
When two persons happen to be in similar personalities say Adult while dealing, then
the chances of conflict are remote.
H Replica:
 Please remember that young generation’s behaviour with you will be the replica of
your behaviour with them during their childhood. Remember your attitude,
behaviour with them in their childhood. Review the following points to answer the
dilemma and then make expectations from them in your old age.
 Children:
1 The relationship with children gives immense joy at least when they are small.
2 Parenthood is the ‘testing phase of married life.’
3 Parents do not leave any stone unturned to give best to their children.
4 However our acts and deeds should be motive less and should arise from our

5
duty & responsibility.
5 We should not look at the relationship as an investment for our old age.
6 You should always encourage your children to express their feelings.
7 Establish clear limits on their behaviour.
8 You should act as a Role Model for improving their behaviour.
9 Praise should be used to promote good behaviour.
10 You should respect your child’s choices, unless they endanger safety or health.
11 Criticize incorrect/ bad behaviour or action, not the child.
12 Set clear and consistent rules. Parents should agree on rules.
13 Goals set should be within reach of your child.
14 Make it a habit to spend some time every day with your children.
15 Pay undivided attention when your children talk to you.
16 Encourage your child to always do their best, and emphasize that what is
Important is efforts, not the success.
I Financial Tips:
1.0 What precautions should be taken in respect of Investment?
i Investment should be made in joint name.
ii Investment should be payable to either or survivor or former / survivor.
iii Nomination facility should be availed of.
iv Proper record of investment held should be kept.
v Your spouse should be aware of all your investment matter.
vi Excessive faith should not be kept on relatives, friends.
vii Necessary secrecy should be kept. The investment matters should not be discussed
with strangers.
viii Do not give power of attorney to your kids.
ix Do not request your kids to withdraw money through your ATM Card. Do not
divulge your password.
x Make will. Do not part with your wealth and loose M power.
xi If your financial condition is not good, then think of Reverse Mortgage.
xii Look after your investment portfolio independently or with the help of financial
consultant.
2.0 Which factors should be considered while making Financial Investment?
i Safety of Investment should be the prime consideration. Investment should not be

6
lost.
ii Liquidity: Investment should be easily available in case of need.
iii Returns: Investment should not remain idle but should also earn reasonable income.
iv Spread: Investment should be made in different forms to minimize risk.
v Purpose: Investment should be made according to purpose.
3.0 Security should meet the following criteria: (MASTDAY)
i M Marketability.
ii A Easy to ascertain its title, value, quantity and quality.
iii S Stability of value.
iv T Transferability of title.
v D Durability – not perishable.
vi A Absence of contingent liability. i.e. You may not have to spend more money on
the security to make it marketable or even to maintain it.
vii Y Yield. The security should provide some on-going income.
J Tips: (Not necessarily in the order of importance). In fact all Tips are important.
You may have to make some variation according to the situation.
1 You must learn minimum cooking so that you can take care of yourself.
2 Always update your telephone diary with addresses, telephone numbers etc. of
friends, well wishers, relatives, doctors etc.
3 Make an attempt to avoid conflict. (Refer Para G)
4 Prepare a due date diary of Birthdays, Marriage anniversaries, Death anniversaries
etc. of near relatives, friends, well wishers along with contact numbers, mobile
numbers, email IDs etc.
5 Identify weak/sensitive points of your son, daughter-in-law. Relationship gets
developed very fast when you pamper the person on his weak / sensitive points.
6 GOD has given two Eyes, two Ears but only one Mouth. Obviously I am suggesting
that one should talk less in old age.
7 Make all out efforts to create Goodwill.
8 Keep Optimum Transparency in your dealings and speech.
9 Develop ability to say ‘No’. But ‘No’ approach should be resorted as a last resort.
Don’t allow any one to take undue advantage of you including your wife.
10 You should have sense of proportion in every respect. You should always know what

7
is the call of the hour/day?
11 Have you studied ‘Gobels Principle? Any false information hammered repeatedly is
believed. Do not follow this. Use the principle to tell the ‘Truth’ because many people
find it difficult to digest even the Truth in one go and Truth needs to be hammered.
12 Are you aware of the story of ‘Monkey and her kids’ told and proved by ‘Birbal’ to
‘Badshah’? Do not go out of the way to provide service even to your wife, son and
daughter-in-law.
13 Respect the person irrespective of age to get respect.
14 Do not lie or tell half truth. Don’t lie on behalf of wife, son etc. Do not justify wife,
son if they are wrong.
15 Share anything good. Say a good book, good article in a magazine/ newspaper, tasty
food, good entertainment programme etc.
16 Spend some time specifically with son, daughter-in-law, grand son etc.
17 Don’t argue. You will only land up hurting feelings. You must agree to disagree.
18 Be polite in your talk. Avoid Gossip and loose talk.
19 Every one is right in his own way but please remember that your right should not be
at the cost of some body’s right. (not even your wife, son etc)
20 Any problem in Life should be accepted first, then if possible justify and finally
you may blame your fate or some body.
21 Any thing is possible in ‘Theory’. But it is also necessary to look into the ‘Technical’
feasibility and finally ‘Practical’ possibility.
22 Do not compare People, Luck, Wealth etc.
23 Do not be jealous.
24 Do Time Management. Spend time judiciously keeping in mind your retirement goals
such as reading, exercise, morning-evening walk, music, playing with grandsons,
meditation etc.
25 Do not compare your wife, son, daughter-in-law with similar acquaintances. No body
is perfect.
26 You should master the Art of deriving 100 % satisfaction in 50 % inputs.
27 Think positively in case your wife, son desire to change / modify some routine in
your house. First analyze the reasons for new pattern of routine, keep open mind,
discuss frankly and then change the routine by mutual discussion.
28 You should manage your ‘Financial Matters’. You may inform wife, son etc. about it
but refrain from seeking their advice unless they are professionally qualified to give

8
advice.
29 Assist your wife, son in looking after her Financial matters such payment of LIC, PPF
etc. You will automatically get their financial information.
30 You should be able to identify ‘Primary’ (i.e. direct) and ‘Collateral’ (i.e. indirect)
responsibility in relation with your family.
31 Do not go out of the way to impress son, wife, and daughter-in-law.
32 Relationship is like a rubber band. You must know the limit up to which the same
should be strained. After all we need each other. Dispute should not be carried too far.
There should be an escape route to reconcile.
33 Do not give advice unless called for.
34 Do not seek advice for name sake unless you really need one.
35 Appreciation should be genuine.
36 Create support group.
37 Make your expectations clear to your family members on various issues.
38 Do not assume or take for granted any family members.
39 Do your own work. You would get the necessary light exercise in the process. Your
mind would become strong as your dependence on others is reduced. Generally
expectations lead to frustration.
40 Do some household work according to your ability, liking.
41 Do not try to discipline grand sons, grand daughters.
42 Reduce TV viewing to save your eyes. Your mental agony will greatly reduce if you
stop watching TV serials.
43 Join Nana –Nani / Dada-Dadi Park.
44 Make it a point to give gift according to your financial condition on birthdays,
wedding anniversary etc.
45 Avoid attending functions of any kind. You will be saved of travel tensions,
consuming heavy food etc.
46 Develop detached attitude.
47 Please remember that young generation’s behaviour with you will be replica of your
behaviour with them during their childhood. (Refer Para H above)
48 Cultivate the habit of writing diary, your experiences in Life etc.
49 Do not resort to chit chatting for just time pass. Find out whether the other person is
really free and it is equally important to talk. If you don’t follow this strictly, then
people will start avoiding you.

9
50 If flat is small, try and give maximum privacy to next generation. You may go out for
a evening walk
51 You should tell family member present in the house when you leave house (or home)
and also inform by what time you would come and where you are going. (Unless you
going to office). Your family members can not complain afterwards. Others will learn
this message and would also start this practice. Trifle matter of dispute would get
avoided.
52 Whenever you do shopping, make it a point to purchase something for other family
members. They will be very happy because of your remembrance. Your cost of
shopping for them would be your investment in Goodwill.
53 In case you have gone on a week end trip. Then make it a point to inform about safe
reaching to your son, daughter-in-law. (Kids always worry about Old aged parents.)
Do telephone once or twice a day; enquire about their lunch, sleep, health etc.
K How to avoid Family Stress:
1 Jagi sarva sukhi asa kon ahe vichari mana tuchi shodhoni pahe….Ramdas Swami.
(There is no body in this world who is happy in all respects)
2 Every one carries/ faces stress. Nature of stress varies from person to person. It is born
with your birth & continues till your death. Every happiness & luxury has element of
inbuilt stress. Today this subject has acquired great importance. World has changed
over the years. New inventions have resulted in saving of human energy and time.
Now the question is whether the man and his sentiments have changed?
The answer is No. Man’s basic nature is of happiness and every one makes all out
efforts to seek happiness but the problem is that he does not know as to where he will
get happiness.
3 Most people find it difficult to define stress, yet they experience it often. Stress can be
defined as an excessive demand on physical and mental energy, often leading to
anger, anxiety, distress, fear, irritability and frustration.
 In the light of this background, I intend to give few Tips to avoid Family Stress.
4 You must acquire skill to stay at home as a Guest.
5 Please remember that Every person has an Ego.
6 Please remember that Every person has Individuality.
7 Do your own work.
8 Help other family members.

10
9 Cultivate Apathy.
10 Give respect to get Respect.
11 Forget your office designation at home.
12 Forget your educational achievements at home while dealing with family members.
 Old Age Stress:
13 Seek the blessing of: Fire (Agni), Sun, Moon, Space.
14 Do not keep high expectations from others.
15 Develop hobbies and plan old age.
L Health Tips:
1 Consider balance life as bonus.
2 Visit the doctor for any physical complaints. Do not hide any physical problem. Other
wise family members will blame you in case of emergency.
3 Take your medicines regularly. Keep the necessary stock of medicines.
4 Follow diet restrictions prescribed by the doctor.
5 Get up early. Go for a morning / evening walk.
6 Do light exercise.
M Disclaimer:
1 I do not claim that this Article is full proof but I am confident that the careful reading
can certainly assist you as a Torch in exploring unknown jungle of new relationship.
2 Relationship is a complex phenomena and any number of laid down principles may
still fail because after all each person is unique.
3 Why not make an attempt to develop relationship professionally instead of relying on
your mood /ringing of bells in your mind?
4 Best of Luck. I request the readers to share their experiences to make this Article as
elaborative as possible. Do share your observations on the subject with me on
spandane2008@gmail.com.
Monday, April 25, 2022

५३३) Jettison clause
clause एक .
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०६-०७-२०१७

�ݺ�ߣ

Section 10 - Old Age.pdf

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Section 10 - Old Age.pdf